Nma--the Netherlands Competition Authority (merged Into Acm April 1st 2013)

What Nma--the Netherlands Competition Authority (merged Into Acm April 1st 2013) does

Qilo is a Dutch-language financial content and comparison platform that operates the nmanet.nl website on behalf of Cerulean Internet B.V., an Amsterdam-based private company. The platform provides editorial guides, product comparisons, and educational articles covering personal and small-business financial topics in the Netherlands, including bank accounts (payment, savings, business), credit cards, insurance (car, travel, home), bookkeeping software for zzp'ers and SMBs, business lending, investments, and pension information. Its technology is a web-based content management and affiliate marketing platform organized around a 'Knowledge Bank' (Kennisbank), topic hubs (Bankrekening, Creditcard, Zakelijk, Auto, Pensioen), and structured comparison pages that integrate outbound affiliate links to partner providers.

The business model is content-led affiliate monetization: the site is free to users and earns commissions when visitors click through to partner financial products. Its affiliate partner network spans Dutch challenger banks (Knab, Bunq, Openbank), insurers (Deck, Lemonade), SME lenders (BridgeFund, New10/ABN AMRO, CapitalBox/Ferratum), P2P lending (Lender & Spender), investment apps (Robinhood, Gatsby), and a broad set of Dutch bookkeeping SaaS providers (InformerOnline, Yuki, Jortt, Moneybird, MyFinance, Rompslomp, DigiBTW). The primary audience is Dutch consumers and Dutch small-business owners / zzp'ers seeking to compare financial products and understand costs and features.

The site's domain, nmanet.nl, was historically associated with the Netherlands Competition Authority (NMa), a Dutch government body that merged into ACM (Autoriteit Consument & Markt) on April 1, 2013; the domain subsequently transitioned to commercial use by Qilo/Cerulean Internet B.V. The input data contains no disclosed revenue, headcount, funding, or AI/ML capability signals, and the company has no publicly disclosed management team or corporate actions.

Name

Nma--the Netherlands Competition Authority (merged Into Acm April 1st 2013)

Legal name

Nederlandse Mededingingsautoriteit (NMa)

Website

https://nmanet.nl

Company type

Private

Founded year

1998

Operating status

Closed

Short description

Qilo (operating nmanet.nl via Cerulean Internet B.V.) is a Dutch-language financial content and comparison platform serving Dutch consumers and small businesses with editorial guides and affiliate-linked product comparisons across banking, credit cards, insurance, bookkeeping, lending, and pensions.

Ownership category

akta.pro rank

Product category

Financial Comparison and Content Platform

NAICS

Media Representatives (54184), Web Search Portals, Libraries, Archives, and Other Information Services (519)

akta.pro primary industry

BNPL Aggregators & Comparison Marketplaces (FSAKACAD)

akta.pro secondary industry

Casino/iCasino Affiliate & Review Sites (MPAEAMAB)

Keywords

• Financial product comparison
• Banking comparison platform
• Insurance product reviews
• Bookkeeping software comparison
• Affiliate financial content

Headquarters

HQ city

The Hague

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Affiliate Commissions: Qilo earns commissions when users click through affiliate links to financial products including banks (Knab, Bunq, Openbank), insurance providers (Deck, Lemonade), lending platforms (BridgeFund, New10, CapitalBox), investment platforms (eToro, Bux Zero), bookkeeping software (InformerOnline, Yuki, Jortt, Moneybird, MyFinance, Rompslomp, DigiBTW), and P2P lending platforms (Lender & Spender).

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Qilo operates a Dutch-language financial information and product comparison website (nmanet.nl) that publishes educational articles, guides, and side-by-side comparisons of personal banking products, business banking products, credit cards, insurance policies, bookkeeping software, business loans, investments, and tax topics. The platform is free for users and monetizes exclusively through affiliate commissions paid by partner financial providers when users click through to sign up for or apply to their products.

Product overview

Qilo is a Dutch financial information and comparison platform that operates primarily as a content-driven website providing consumers with financial advice, product comparisons, and educational content. The platform offers comparison services for personal and business banking products (payment accounts, savings accounts, business accounts), credit cards, insurance products, and bookkeeping software. Qilo functions as a lead generation and affiliate marketing platform for financial service providers, earning commissions when users click through to partner financial institutions.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Users can compare multiple banking products side-by-side with pricing, features, and terms clearly presented
• +1 more outcomes

Named customers18 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Pricewise: Pricewise is a major Dutch comparison platform covering energy, insurance, and financial products. It directly competes with Qilo in the Dutch consumer financial comparison market using a similar affiliate-driven content model.
• Geld.nl: Geld.nl is a Dutch comparison site focused on loans, mortgages, insurance, and banking products. It is a direct competitor to Qilo in the Dutch financial product comparison space with a similar affiliate monetization approach.
• Finder.com: Finder is a global financial product comparison and affiliate content platform operating across multiple geographies. It shares Qilo's content-led, SEO-driven, affiliate-monetized model for financial product referrals, though at much larger scale and multiple markets.
• BankBazaar: BankBazaar is a financial product comparison platform for loans, credit cards, and insurance, monetized through partner referrals. It shares Qilo's affiliate-driven comparison marketplace business model for financial products, primarily serving India and emerging markets.
• Independer.nl: Independer is the leading Dutch financial product comparison platform for insurance, banking, and energy. It is the most directly comparable peer to Qilo, operating the same affiliate-driven comparison model targeting Dutch consumers with a deeper market position.

Emerging players

• Moneywise: Moneywise is a Dutch financial information and comparison site focused on consumer banking, mortgages, and insurance products. It is a niche Dutch-language peer with significant content overlap to Qilo's target audience and topic coverage.

Broad incumbents

• Kieskeurig.nl: Kieskeurig.nl is a long-established Dutch comparison platform owned by a major media group, covering consumer products and some financial services. It is a broader incumbent that overlaps with Qilo's product-comparison and review format.
• NerdWallet: NerdWallet is a leading US-based financial content and comparison platform monetized via affiliate referrals to banks, lenders, and insurance companies. It shares Qilo's core business model of SEO-driven content marketing for financial product affiliate revenue, though at vastly larger scale and only in the US.

Regional players

• Raisin: Raisin is a European deposit and savings marketplace that connects consumers with banks across borders, monetized via partner banks. It overlaps with Qilo in the financial product comparison and referral model but operates across multiple EU countries and focuses on deposits/savings.
• Compare Group (Compare the Market / GoCompare): Compare Group operates well-known UK financial comparison brands (Compare the Market, GoCompare) using a similar affiliate/comparison model. It is a regional peer operating the same business model in a different geography than Qilo.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/nma

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nma--the Netherlands Competition Authority (merged Into Acm April 1st 2013)